Dear Gighi,
After reading about your situation I thought of that saying, “How do you eat an elephant? One bite at a time.”
It looks like you have clarity on what you want, i.e. freelance editiorial and fine art photographer and/or go to graduate school. You have goals and it is a matter of focus and priority. Like for any of us it is your commitment on how to achieve them.
The road may not look too appealing to get where you want to go. It is a commitment. I believe that if you are truly clear and desirous of what you want then you can weather the way to it.
Go on Gighi, take your first bite.
Mark